FD & RD Calculator
Calculate FD maturity amount, RD returns, interest earned, payout options, and yearly growth with charts and a detailed projection table.
Deposit inputs
Maturity value
₹1,41,477.82
Total invested
₹1,00,000.00
Interest earned
₹41,477.82
Deposit type
Fixed Deposit
Growth over time
Compare invested amount and estimated maturity growth across the tenure.
Invested vs interest
Understand the share of principal and interest in your final amount.
Interest earned by year
Review the yearly contribution of interest to your deposit growth.
Year-wise projection
Review invested amount, yearly interest, and estimated closing value for each year.
| Year | Invested Till Year | Interest For Year | Closing Value |
|---|---|---|---|
| 1 | ₹1,00,000.00 | ₹7,185.90 | ₹1,07,185.90 |
| 2 | ₹1,00,000.00 | ₹7,702.28 | ₹1,14,888.18 |
| 3 | ₹1,00,000.00 | ₹8,255.75 | ₹1,23,143.93 |
| 4 | ₹1,00,000.00 | ₹8,849.00 | ₹1,31,992.94 |
| 5 | ₹1,00,000.00 | ₹9,484.88 | ₹1,41,477.82 |
How this FD & RD calculator works
Switch between Fixed Deposit and Recurring Deposit modes to calculate maturity value, total invested amount, and total interest earned.
For FD, you can choose cumulative growth or periodic interest payout. For RD, the tool estimates returns based on recurring monthly deposits.
You can also adjust tenure, interest rate, and compounding frequency, then review charts and a year-wise projection table.
Best use cases
Use this calculator to compare FD and RD growth, plan savings goals, estimate maturity value, and understand the impact of tenure and rate changes.
It is especially useful for Indian banking users searching for FD maturity calculator, RD calculator, or deposit return calculator.
Results are estimates for educational purposes and should not be treated as banking or investment advice.
Frequently asked questions
What is the difference between FD and RD?
In a Fixed Deposit, you invest a lump sum amount for a fixed period. In a Recurring Deposit, you invest a fixed amount every month for a chosen tenure.
What does cumulative FD mean?
In a cumulative FD, interest is reinvested and paid at maturity, which can increase the final value through compounding.
Does compounding frequency affect maturity value?
Yes. More frequent compounding generally increases the maturity amount because interest gets added back to the deposit more often.